Low Rate Home Equity Loans

Start Fresh and Get Things Done

Apply Now

Home Equity Line of Credit

0.99% APR** for the first 6 months
3.50% APR** thereafter

Fixed-Rate Home Equity Loans

As low as 2.75% APR*

Spring is Blooming –
Start fresh and get things done!

Spring is a time of renewal—the temps are getting warmer and the days longer. It’s also an opportunity to leverage your equity to take care of any project or purchase!

  • Install new windows, roof, or siding.
  • Build a deck, porch, or pool.
  • Remodel the kitchen, bath, or master bedroom.
  • Add a bedroom or family room.
  • Pay for college.
  • Buy a car, boat, or RV.
  • Consolidate expensive debt.
  • And more!
discovery fcu loans


“Discovery’s member service sets them apart from the rest.”

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No application fee!
Save up to $309.*
Plus, get a $100 Gift Card!**

discovery fcu loans


“Discovery’s member service is spot on.”

View Current Rates

Check out our loan calculator to estimate your monthly loan payments.


Not a Member? You must be eligible for membership in the credit union to process your loan application. Discovery FCU is a community credit union serving all of Berks County, PA. If you live, work, worship, or attend school in Berks County, you’re eligible to become a member. Learn More.

APR = Annual Percentage Rate. *Home Equity Fixed Rate Loan: Not all members will qualify for advertised rate. APRs are based on credit worthiness, term of loan, loan-to-value, direct deposit & automatic payments to/from a Discovery FCU account. Other restrictions apply. A sample Fixed Rate Home Equity Loan payment based on $10,000, 85% LTV at and 5-year term at 2.75% is $178.58. Rates range from 2.75% to 11.99% APR, and loan terms range from 12 to 240 months.

*Discovery FCU will pay up to $309.00 in processing fees including appraisal, flood determination, property search, mortgage documentation preparation and recording fees.

**To be eligible to receive a $100.00 Gift Card, you must be a Discovery FCU member in good standing and finance $10,000 or more in new money with a fixed rate home equity loan or home equity line of credit. HELOC – minimum initial draw of $10,000 is required at time of loan opening. Limited time offer while supplies last or until May 31, 2021.

**Advertised Home Equity Line of Credit APR applies to a minimum advance of $10,000, a loan-to-value ratio of 80% for a primary residence located in PA. Introductory rate of 0.99% APR will be in effect for six (6) billing cycles from credit line open date. After the discount rate expires, the line is subject to a Variable Rate which is based on the highest Prime Rate published in the Money Rates Section of the Wall Street Journal in effect on the expiration of any Introductory Rate Period, and subsequently, on the last day of each month (“Index”) plus 0% (“Margin”). The Index plus the Margin equals the Interest Rate. Your rate will never be lower than 3.50% APR. As of 03/01/2021 the Prime Rate was 3.25% APR. Property insurance is required. PA residences only. All lines are subject to approval and collateral evaluation. Fees and charges may apply.

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